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JAPAN POST INSURANCE Co., Ltd.
(7181)
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Rating:50Neutral
Price Target:
¥1,782.00
▼(-62.59% Downside)
Action:Reiterated
Date:08/11/26
The score is held back primarily by weak financial quality signals, especially persistently large negative operating/free cash flows and negative gross profit metrics, despite FY2026 revenue and profitability improvement and modest balance-sheet leverage progress. Technicals are mixed (longer-term trend positive but near-term weakness), while valuation is supportive with a low P/E and moderate dividend yield.
Positive Factors
FY2026 Revenue and Profitability Improvement
The return to positive revenue growth alongside higher EBIT, net income, and net margin indicates improved operating performance after several weaker years. If sustained, this recovery can strengthen internal capital generation and support more stable earnings over the coming quarters.
Negative Factors
Persistently Negative Operating and Free Cash Flow
Repeatedly negative operating and free cash flow reduces financial flexibility and can increase dependence on balance-sheet funding to meet obligations or support operations. Although FY2026 improved from the worst years, the absolute cash deficit remains a durable constraint on capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
FY2026 Revenue and Profitability Improvement
The return to positive revenue growth alongside higher EBIT, net income, and net margin indicates improved operating performance after several weaker years. If sustained, this recovery can strengthen internal capital generation and support more stable earnings over the coming quarters.
Read all positive factors
JAPAN POST INSURANCE Co., Ltd. (7181) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.79T
Dividend Yield2.69%
Average Volume (3M)1.95M
Price to Earnings (P/E)11.2
Beta (1Y)0.71
Revenue Growth-5.90%
EPS Growth27.69%
CountryJP
Employees18,487
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)153.66
Shares Outstanding1,084,817,700
10 Day Avg. Volume1,869,670
30 Day Avg. Volume1,947,163
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)0.42
Price to Sales (P/S)0.57
P/FCF Ratio-0.92
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,000.00Price Target Upside-58.02% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)144.38
Revenue Forecast (FY)¥5.20T
JAPAN POST INSURANCE Co., Ltd. Business Overview & Revenue Model
Company Description
Japan Post Insurance Co., Ltd. primarily operates as a life insurance provider within Japan. Beyond its core offerings, the company also furnishes administrative and agency support for other insurance firms, including international ones, as well a...
How the Company Makes Money
JAPAN POST INSURANCE makes money primarily through (1) insurance-related income and (2) investment-related income from assets held to back policy obligations.
1) Insurance premiums and policy-related charges
- Premium income: The company collects...
JAPAN POST INSURANCE Co., Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
49
Neutral
Cash Flow
22
Negative
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.09T | 3.08T | 3.51T | 2.80T | 3.15T | 3.47T |
| Gross Profit | -687.67B | -878.36B | -614.24B | -1.74T | -1.79T | -1.45T |
| EBITDA | 310.77B | 305.77B | 169.69B | 167.45B | 181.96B | 277.49B |
| Net Income | 168.27B | 168.80B | 123.47B | 87.06B | 97.61B | 158.06B |
Balance Sheet | ||||||
| Total Assets | 58.29T | 58.44T | 59.56T | 60.86T | 62.69T | 67.17T |
| Cash, Cash Equivalents and Short-Term Investments | 10.09T | 9.82T | 1.98T | 1.16T | 1.44T | 1.27T |
| Total Debt | 4.80T | 5.10T | 5.02T | 4.31T | 4.04T | 5.11T |
| Total Liabilities | 53.62T | 54.29T | 56.31T | 57.46T | 60.31T | 64.75T |
| Stockholders Equity | 4.66T | 4.15T | 3.24T | 3.40T | 2.38T | 2.42T |
Cash Flow | ||||||
| Free Cash Flow | -1.89T | -1.89T | -1.64T | -3.11T | -2.98T | -2.76T |
| Operating Cash Flow | -1.88T | -1.88T | -1.63T | -3.06T | -2.98T | -2.76T |
| Investing Cash Flow | 1.83T | 1.83T | 2.39T | 2.72T | 3.12T | 3.19T |
| Financing Cash Flow | -124.24B | -124.24B | 60.14B | 62.17B | -72.94B | -420.27B |
JAPAN POST INSURANCE Co., Ltd. Technical Analysis
Neutral
4764.00
Price Trends
1699.09
Negative
1634.67
Positive
1599.97
Positive
Market Momentum
-6.06
Positive
47.75
Neutral
41.72
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7181, the sentiment is Neutral. The current price of 4764 is above the 20-day moving average (MA) of 1720.64, above the 50-day MA of 1699.09, and above the 200-day MA of 1599.97, indicating a neutral trend. The MACD of -6.06 indicates Positive momentum. The RSI at 47.75 is Neutral, neither overbought nor oversold. The STOCH value of 41.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7181.
JAPAN POST INSURANCE Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥1.97T | 4.03 | 28.41% | 3.47% | 23.11% | 103.05% | |
69 Neutral | ¥51.33B | 16.88 | 6.53% | 2.24% | 21.02% | 46.82% | |
68 Neutral | ¥6.47T | 12.09 | 13.20% | 3.65% | 16.92% | 66.45% | |
67 Neutral | ¥2.25T | 16.33 | 8.97% | 3.13% | 6.25% | 17.99% | |
67 Neutral | ¥42.25B | 9.51 | 5.32% | 3.08% | 11.61% | 62.61% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | ¥1.79T | 11.17 | ― | 2.69% | -5.90% | 27.69% |
* General Sector Average
JP:7181
JAPAN POST INSURANCE Co., Ltd.
1,695.00
397.07
30.59%
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JAPAN POST INSURANCE Co., Ltd. Corporate Events
Japan Post Insurance Taps Global Markets With US$1 Billion Subordinated Note Issue
Sep 10, 2026
Japan Post Insurance Co., Ltd. has announced the issuance of US dollar-denominated subordinated notes to strengthen its financial soundness and capital base. The notes, with a principal amount of US$1 billion and a fixed coupon of 6.50% until 2036...
Japan Post Insurance Reports Slight Decline in In-Force Policies Amid Portfolio Adjustment
Aug 7, 2026
Japan Post Insurance reported financial results for the quarter ended June 30, 2026, highlighting modest declines in policies in force for both individual insurance and individual annuities. As of June 30, 2026, individual insurance policies stood...
Japan Post Insurance Posts Solid Q1 Profits but Guides to Weaker Full-Year Earnings
Aug 7, 2026
Japan Post Insurance reported consolidated ordinary income of ¥1,364.4 billion for the quarter ended June 30, 2026, down 4.9% year on year, while ordinary profit edged up 2.8% to ¥69.3 billion and net income attributable to the company s...
Japan Post Insurance flags ¥4.46 trillion unrealized securities loss, keeps earnings outlook
Jul 24, 2026
Japan Post Insurance disclosed that unrealized losses on its assessed securities reached approximately ¥4.46 trillion as of June 30, 2026, far exceeding its most recent annual consolidated ordinary profit and net income. The losses stem from ...
Japan Post Insurance and SCOR Plan Reinsurance Vehicle for Postal Life Risks
Jul 10, 2026
Japan Post Insurance and French reinsurer SCOR have signed a memorandum of understanding to transfer underwriting risks from Japan Post Insurance’s Postal Life Insurance policies and to create a dedicated reinsurance vehicle. The structure i...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.